aggregate risk; total risk

简明释义

总风险

英英释义

例句

1.A diversified investment strategy can help reduce aggregate risk 总风险 over time.

多样化的投资策略可以帮助随着时间的推移降低总风险 aggregate risk。

2.In project management, understanding the aggregate risk 总风险 helps in making informed decisions.

在项目管理中，理解总风险 aggregate risk有助于做出明智的决策。

3.Investors often assess the aggregate risk 总风险 of their portfolio to ensure it aligns with their risk tolerance.

投资者通常评估他们投资组合的总风险 aggregate risk，以确保其与他们的风险承受能力相符。

4.The bank evaluated the total risk 总风险 associated with lending to small businesses.

银行评估了向小企业贷款的总风险 total risk。

5.Insurance companies calculate the total risk 总风险 of policyholders to determine appropriate premiums.

保险公司计算投保人的总风险 total risk以确定合适的保费。

作文

In the world of finance and risk management, understanding the concepts of aggregate risk and total risk is crucial for making informed decisions. Both terms refer to the overall exposure to risk that an individual or organization may face, but they are used in slightly different contexts. Aggregate risk generally refers to the total risk associated with a particular portfolio of assets or investments, while total risk encompasses all risks, including those that arise from external factors and market volatility.To illustrate, let’s consider an investor who holds a diversified portfolio of stocks, bonds, and real estate. The aggregate risk of this portfolio would involve assessing the combined risk of these various asset classes. For instance, if the stock market experiences a downturn, the investor's overall portfolio value may decrease significantly. However, the total risk would also take into account other factors such as economic conditions, interest rates, and geopolitical events that could affect the performance of each asset class within the portfolio.Understanding aggregate risk is essential for investors as it allows them to evaluate the potential losses they might face due to specific market movements. By analyzing the aggregate risk of their investments, they can make strategic decisions about how to allocate their resources, whether to diversify further, or to hedge against potential losses. For example, if an investor identifies that their aggregate risk is heavily concentrated in one sector, they might choose to invest in other sectors to mitigate that risk.On the other hand, total risk provides a broader perspective. It helps investors understand not only the risks associated with their investments but also the external factors that could impact their financial health. For example, a sudden change in government policy or a natural disaster could introduce new risks that were not previously considered. By acknowledging total risk, investors can prepare for unforeseen circumstances and develop contingency plans.Moreover, businesses also need to consider both aggregate risk and total risk in their operations. For instance, a company may face aggregate risk related to its supply chain, where disruptions in one part of the chain could impact overall production. However, the total risk of the company would include additional elements such as market competition, regulatory changes, and economic shifts. By analyzing both types of risk, businesses can create comprehensive risk management strategies that protect their assets and ensure long-term sustainability.In conclusion, both aggregate risk and total risk are vital concepts in risk management. While aggregate risk focuses on the specific risks associated with a set of investments or assets, total risk encompasses all potential risks that could affect an individual or organization. By understanding and differentiating between these two types of risk, investors and businesses can make better decisions, safeguard their interests, and navigate the complexities of the financial landscape more effectively.

在金融和风险管理的世界中，理解aggregate risk（聚合风险）和total risk（总风险）的概念对于做出明智的决策至关重要。这两个术语都指的是个人或组织可能面临的整体风险暴露，但它们在使用上有些不同。Aggregate risk通常指与特定资产或投资组合相关的总风险，而total risk则包括所有风险，包括来自外部因素和市场波动的风险。为了说明这一点，让我们考虑一个持有多元化股票、债券和房地产投资组合的投资者。该投资组合的aggregate risk将涉及评估这些不同资产类别的综合风险。例如，如果股市出现下跌，投资者的整体投资组合价值可能会大幅下降。然而，total risk还会考虑其他因素，如经济状况、利率和地缘政治事件，这些因素可能会影响投资组合中每个资产类别的表现。理解aggregate risk对投资者至关重要，因为这使他们能够评估由于特定市场波动而可能面临的潜在损失。通过分析其投资的aggregate risk，他们可以就如何配置资源做出战略决策，是否进一步多样化或对冲潜在损失。例如，如果投资者发现其aggregate risk在某一行业高度集中，他们可能会选择投资其他行业以降低该风险。另一方面，total risk提供了更广泛的视角。它帮助投资者了解不仅与其投资相关的风险，还包括可能影响其财务健康的外部因素。例如，政府政策的突然变化或自然灾害可能会引入之前未曾考虑的新风险。通过承认total risk，投资者可以为不可预见的情况做好准备并制定应急计划。此外，企业在运营中也需要考虑aggregate risk和total risk。例如，一家公司可能面临与其供应链相关的aggregate risk，其中链条某一部分的中断可能会影响整体生产。然而，该公司的total risk将包括市场竞争、监管变化和经济波动等额外因素。通过分析这两种类型的风险，企业可以制定全面的风险管理策略，以保护其资产并确保长期可持续发展。总之，aggregate risk和total risk都是风险管理中的重要概念。虽然aggregate risk关注与一组投资或资产相关的特定风险，但total risk则包含可能影响个人或组织的所有潜在风险。通过理解和区分这两种风险，投资者和企业可以做出更好的决策，保护自身利益，更有效地应对金融环境的复杂性。